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The research was conducted to see how cost of funds (COC), and non-performing loans (NPL) on profitability is measured by return on assets (ROA). The research method used is descriptive and verification methods. Secondary data is sourced from Regional Development Banks of West Java and Banten Provinces in Indonesia quarterly financial reports for 2014 – 2022, while the data analysis technique uses multiple linear regression analysis. The results of the research are that COF and NPL has a negative and significant effect on ROA. Simultaneously, COF and NPL have a significant effect on ROA. The results of this research are useful for bank management in determining funding strategies with low cost of funds, and credit management strategies so that non-performing remains healthy. 

This exploration aims to test and dissect factors that impact bank fiscal performance and their impact on shareholder tips. The variables used are E-Banking, credit handed as an independent variable, and ROE as a dependent variable. This exploration also looks at the influence of ROE on shareholder tips proxied by the DPR. This exploration was conducted in all BPDs in Sumatra, there are 8 BPDs registered with the OJK during the 2019 – 2022 period. The exploration system used was descriptive exploration with a quantitative exploration approach. Data recycling analysis uses multiple and simple retrogression analyses. The exploration results show that E-Banking and the credit handed have a significant influence on ROE, both concertedly and collectively. Meanwhile, fiscal performance (ROE) also influences shareholder tips (DPR).

Bank Indonesia Regulation No.13/1/PBI/2011 requires banks to regularly conduct a self-assessment using the RBBR (Risk-based Bank Rating) risk approach at the individual and consolidated levels. This health assessment is called RGEC (Risk Profile, Good Corporate Governance, Earnings, and Capital).  This research aims to determine the effect of bank soundness with Risk Profile, Good Corporate Governance, Earning and Capital on Firm Value at Conventional Banks listed on the Indonesian Stock Exchange for the period 2019 to 2021. The sampling technique used in this study is purposive sampling. The sample criteria are conventional banking companies registered and publish complete annual financial statements that do not merge during 2019–2021. This study used 40 samples based on predetermined criteria. Analysis of the data in this study using Microsoft Excel 2019 and hypothesis testing using panel data regression analysis with the EViews version 12.0 program with a significance level of 5%. The results of this study are (1) Risk Profile using Non-Performing Loan does not affect firm value, (2) Good Corporate Governance has a positive effect on firm value, (3) Earning using Return on Assets has no effect on firm value, (4) Capital using Capital Adequacy Ratio has a positive effect on firm value. The implications of this research for banks are to increase company value; conventional banks can pay attention to the Risk Profile, Good Corporate Governance, Earnings, and Capital (RGEC) to improve their performance and for investors to be a reflection of good information to invest. The limitations of this study are that some banking companies do not publish complete financial statements, and research variables, namely profile risk and earning, do not support the theory, so they require further research.

Previous studies analyzing the relationship between the performance of rural banks and the COVID-19 pandemic are very limited in number. This study aims to find out how the impact of the COVID-19 pandemic on the performance of rural banks in Indonesia. This study uses panel regression data to examine the effect of the COVID-19 pandemic on the capital adequacy ratio (CAR) from the capital aspect, non-performing loan (NPL) from the asset quality aspect, return on assets (ROA) from the earning aspect, and cash ratio (CR) from the aspect of liquidity. Our findings explain that the COVID-19 pandemic has a positive effect on CAR and NPL, a negative effect on ROA, and no effect on CR.

Clients’ non-performing loan is one of the problems faced by a Bank. The differences in character, culture, and people’s socio-economy influence a Bank, through its collectors, to solve the problem of this non-performing loan. The objective of this research was to find out social interaction done by Bank X in solving the non-performing loans of non-performing clients. The research used a qualitative method. The data were gathered by conducting interviews with nine informants – five clients, one collector, and three managers of Bank X in the area of Medan. The result of the research showed that in solving non-performing loan, Bank X did social interaction approach by conducting cooperation in achieving Agreement between collectors and clients, accommodation by understanding clients’ socio-cultural character in order to adjust to clients and to decrease the tension, and contravention by disgracing clients in front of their neighbors.